🏗️

Business Funding for Construction & Contractors

Equipment loans, working capital, and project financing to keep your jobs running. Funded in as little as 48 hours.

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No Credit Impact
No Collateral
2-Minute App
$215K
Avg. Funded Amount
94%
Approval Rate
48 hrs
Avg. Funding Time
1,800+
Contractors Funded

Why Construction & Contractors Businesses Choose Slate Financial

Construction businesses face unique cash flow challenges — you buy materials and pay crews upfront, but do not get paid until milestones are hit or jobs are completed. Slate Financial bridges the gap with fast working capital, equipment financing, and project-based funding designed for general contractors, subcontractors, and specialty trades.

Common Challenges

Long payment cycles (60-90 days) after project completion
Big equipment purchases require major upfront capital
Seasonal slowdowns leave crews without work or pay
Material costs have skyrocketed in recent years
Banks move too slowly for time-sensitive project bids

How We Help

Equipment financing up to $5M with flexible terms
Lines of credit to bridge cash flow between payments
Fast working capital to stock materials for new jobs
Revenue-based funding that scales with your project load
PO factoring to finance large purchase orders upfront

Common Funding Needs

What Construction & Contractors Businesses Use Capital For

Heavy equipment purchases (excavators, loaders, cranes)
Bridging cash flow between project milestones
Material and supply purchasing for new projects
Payroll coverage during seasonal slowdowns
Fleet vehicle financing and maintenance

Recommended Products

Best Funding Options for Construction & Contractors

Matched to your industry's unique needs and cash flow patterns

Equipment Lending

$10K – $5M
24–48 hours

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months
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Lines of Credit

$10K – $1M
24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use
Apply Now

Term Loans

$25K – $5M
24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates
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Merchant Cash Advance

$5K – $2M
24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions
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Purchase Order Factoring

$50K – $10M
48–72 hours

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business
Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no credit impact, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

"I landed a $1.2M commercial job but needed $180K for materials upfront. My bank said 6 weeks. Slate got me funded in 3 days. That job launched our company to the next level."

Tony Reyes
Reyes Construction Group, Phoenix AZ
Funded: $180,000
98%
Approval Rate
24hrs
Average Funding
$2.5B+
Total Funded
10,000+
Businesses Served

FAQ

Construction & Contractors Funding Questions

Get Funded for Your Construction & Contractors Business

Join thousands of construction & contractors businesses that trust Slate Financial. Apply in 2 minutes. No credit impact. Get funded as fast as 24 hours.

No Credit Impact
No Collateral Required
Same-Day Decisions
Start Your Application Find My Loan Match

Marcus T. from Miami, FL

Just funded $150,000 — Term Loan

32 minutes ago